Our History

Capital Insurance Agency. Inc. was incorporated for the purpose of marketing and servicing mass market groups, both in the private sector as well as the governmental market.

Capital Insurance Agency, Inc., was founded by David M. Moore, Sr. and his wife Kacelle Moore in September 1970. They began by operating the company out of their spare bedroom. Through the cooperation and assistance of long-time Tallahassee insurance executive Nat Polak, who marketed American Defender Life Insurance Company’s credit life insurance, Capital Insurance got its first break. Polak agreed to share office space with Moore and helped him obtain an agency agreement with American Defender Life. More importantly, Polak was also instrumental in helping Capital Insurance secure its first payroll account, the Florida Department of Legal Affairs, which pointed the way for its growth.

1970 – THE BEGINNING; A FAMILY IN THE MAKING

Shortly after its inception, thru David's community involvement came our second partner, Dalton Tate, Jr. Our third founding partner, Dale Lauer, also started within the first year of Capital Insurance's birth. These three partners affectionately known here as "The Three D's", began their journey and friendship as a few highly motivated insurance agents traveling around the State of Florida.

Before Capital Insurance's inception, the State of Florida had no central purchasing agreements, contracts or supplemental employee benefits contracts. State employees needed and wanted additional benefits other than the ones they were currently buying. Therefore, Capital Insurance Agency systematically established agency by agency contracts and predominately solicited business in the voluntary group term life, group disability income and supplemental health insurance marketplace.

1974 – CAPITAL INSURANCE'S FIRST REGIONAL VICE PRESIDENT

Dalton Farmer, a former employee of the Florida Department of Health and Rehabilitative Services, was Capital Insurance's first detached agent. Farmer later became Capital Insurance's first Regional Vice President. Farmer's knowledge of the ins and outs of the state system served Capital Insurance very well and helped its growth in this sector and by the middle of the decade Capital Insurance was American Defender's number one agency!

1978 – THE CIA REGIONAL CONCEPT WAS CREATED AND THE REGIONAL VICE PRESIDENT OF THE YEAR AWARD WAS CREATED

In keeping with Capital Insurance Agency's basic philosophy of, "providing State of Florida employees a complete portfolio of superior, highly competitive, non-contributory employee benefits through a network of professional local sales representatives dedicated to service while selling the products needed by each employee", we knew it was necessary to establish statewide access. Therefore, the Capital Insurance Agency's regional concept was created, establishing regional and satellite offices throughout the state in effort to provide better service for our existing clients while securing additional accounts.

The Dalton P. Farmer Regional Vice President of the Year Award was named in honor and memory of Capital Insurance Agency's first Regional Vice President.

1980 – EXPANDING THE MARKETPLACE

Capital Insurance Agency has always been in the spotlight with its primary life carriers. During the late 1980's, Capital Insurance experienced it's largest growth in years, growing to $2,000,000 in new life insurance sales. This success prompted the decision to expand the marketplace further by placing more emphasis on life insurance. Doing so necessitated a restructuring of Capital Insurance Agency's management team. This restructuring would enhance Capital Insurance Agency's philosophy of providing "a complete portfolio of insurance products."

1991 – POLITICAL CRISIS BEGAN

Since Capital Insurance Agency's inception, we have survived numerous governmental reorganizations as well as the political crisis, which began in 1991. Florida Legislature passed a "pre-tax program" which enabled state employees to pre-tax premiums for supplemental programs. However, as it was originally written, it did not allow employees the option of keeping their existing insurance programs and including them in the pretax program. After an extensive effort, these legislative bills were amended to include existing insurance providers.

1992 – GRANDFATHERING OF PROGRAMS; A BIG WIN FOR CIA!

In addition to the "grandfathering" of these programs, 1992 Legislative action directed the Department of Administration to establish a comprehensive package of insurance benefits for state employees. This resulted in a bidding process for supplemental health insurance, dental care, vision care and cancer & intensive care programs. Capital Insurance won, which gave Capital seven approved pre-tax programs. Capital Insurance Agency had then been awarded grandfathered and bided plans programs.

1997 – HONOR AND MEMORY OF CIA'S "GODFATHER"

The NAT POLAK "GOYA" AWARD'S CLUB was established in honor and memory of Nat Polak.

Nat was known as Capital Insurance Agency's "Godfather" while on this earth. We hope he's now our "Guardian Angel". When Nat was unhappy with an agent's production, he would look them in the eye and yell "GOYA"…… his nice way of saying "Get off your ____"!!

2000 – A SMALL "BUMP" IN THE ROAD

DSGI eliminated two of Capital Insurance Agency's dental plans and further tried to ban insurance agents from soliciting and servicing programs for state employees. Again after extensive expenses and efforts, Capital Insurance Agency was instrumental in creating a coalition which lead to a settlement agreement and subsequent contracts to allow continued marketing of a dental program to state employees.

2014 – A BRIGHT FUTURE; THE PASSING OF THE TORCH

Today, ninety percent of Capital Insurance Agency's business is conducted with State of Florida Departments and agencies. Capital Insurance is extremely proud of the accomplishment made throughout their forty years in business.

The "Three D's" have partnered with their family members to continue our success by focusing on the future, while not forgetting those difficult lessons learned in our past. Capital Insurance is carefully implementing the transition of ownership to Douglas Moore, David Moore Jr., and Andy Tate. In 2014 our succession plan has now been in place for the past 5 years. In addition to this transition, and keeping with our underling philosophy of focusing on our "Capital Family", we have created an Employee Stock Ownership Program for our home office employees.

Because of Capital Insurance's unique organization, coupled with the dedication and commitment of its many talented employees, Capital Insurance Agency is confident the future will be even more productive.